The daily interest rate of JD.COM IOUs is 0.5%- 1%, and the interest is calculated on a daily basis from the date when the loan is received. The interest of JD.COM gold bars is calculated on a daily basis, and the daily interest rate is 0.025%-0.095%/ day. JD.COM IOUs are mainly used for shopping credit loans with high interest rates. Choosing to use JD.COM IOUs will lead to higher borrowing costs.